These organizations help investors buy their first share of stock through or enroll in a dividend reinvestment plan without paying brokerage commissions:

- The Direct Purchase Plan Clearinghouse, (800) 774-4117; Web address, (www.enrolldirect.com)Investors can call to get enrollment information for more than 250 companies that have direct purchase stock plans.

- First Share Inc., P.O. Box 222, Westcliffe, CO 81252, (800) 683-0743

First Share has members with investments in more than 230 companies that are willing to sell one share. Annual dues are $18 a year. Administrative fees are $10 a share. Buyers also pay the seller a small fee (usually $7.50) to transfer the share to them.

- National Association of Investors Corp., 711 W. Thirteen Mile Road, Madison Heights, MI 48071, (248) 583-6242; Web address, (www.better-investing.org)

NAIC's program allows investors to buy one share of stock in any of more than 150 companies for a $7 handling charge per company. Participants in the program must be NAIC members. Annual membership fee is $39.

- Temper of the Times Communications Inc., 1010 Mamaroneck Ave., Mamaroneck, NY 10543, (800) 295-2550; Web address, (www.moneypaper.com)

Temper of the Times is a broker-dealer that will buy your first share and get you enrolled in the corresponding dividend reinvestment plan for the price of the share, a markup of $1 or less and a $15 service fee.

These publications track dividend reinvestment programs offered by U.S. companies:

- The American Association of Individual Investors, 625 N. Michigan Ave., Suite 1900, Chicago, IL 60611, (312) 280-0170, publishes the AAII Journal. It prints a special issue every June that covers more than 850 dividend reinvestment plans. The membership fee of $49 a year includes a subscription. The association also sells a list of dividend reinvestment plans for $10.

- Directory of Companies Offering Dividend Reinvestment Plans, 14th edition, is edited by Sumie Kinoshita and published by Evergreen Enterprises, P.O. Box 763, Laurel, MD 20725-0763, (301) 549-3939. The directory lists more than 950 companies that offer dividend reinvestment plans. It costs $32.95, including shipping.

- Guide to Dividend Reinvestment Plans also is edited by Sumie Kinoshita and published by Evergreen Enterprises. It provides information about companies with dividend reinvestment plans and quarterly updates of plan changes and new listings. The cost is $143 a year. Evergreen also sells a software version of DRIP information and other related products.

- NorthStar Financial Inc., 7412 Calumet Ave., Hammond, IN 46324, will send a free list of all companies that offer direct-purchase stock plans. It puts out two publications edited by Charles B. Carlson: DRIP Investor, a monthly newsletter that focuses on DRIPs, offers new plan information, makes recommendations and contains model DRIP portfolios (cost, $59 a year); and No-Load Stock Insider, a newsletter that's published every two months and focuses exclusively on companies that allow investors to buy shares directly from them (cost, $33 a year).

- Standard & Poor's Directory of Dividend Reinvestment Plans, 25 Broadway, New York, NY 10004, is published by McGraw-Hill Inc. It contains information about more than 800 DRIPs, including the S&P rating for the corresponding stock. Copies are $39.95, including postage. To order, call (800) 852-1641.

- The Moneypaper Inc., 1040 Mamaroneck Ave., Mamaroneck, NY 10543, (800) 388-9993, puts out four publications edited and published by Vita Reiner Nelson:

Direct Investing newsletter is published twice a month and monitors companies that allow DRIP participants to invest directly through the plan. It focuses on helping investors find DRIP bargains and costs $99 a year.

The DRP Authority is published quarterly and keeps up with structural changes in DRIPs. Cost is $36 a year.

The Guide to Direct Investment Plans contains information about 1,100 DRIPs. Cost is $27 a year, but you can get this publication and The DRP Authority both for $45 a year.

The Moneypaper is a monthly newsletter that contains information about general interest, personal finance topics but always has four pages of DRIP portfolios. Cost is $81 a year.